Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,424Cash toward the purchase price.
Closing costs + prepaids$9,376Not just lender fees.
Before credits & paid funds$94,799The complete starting cash picture.
Estimated remaining funds due at closing
$94,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,423.62
Your down payment$85,423.62
Closing costs + prepaids$9,375.79
Total buyer cash needed$94,799.42
Remaining funds due$94,799.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$762.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$656.00
Prepaid interest, first (27 days)$358.91
Fees + prepaids$9,375.79
Your down payment is the seller’s equity. You take over the $152,576 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $94,799.42 is due at closing. Uses and sources reconcile at $247,375.79 each. Not a Closing Disclosure.